Greetings all, I'm not an expert in this, and have just been getting cards to get the best cash back value. Not really chasing SUBs, not really interested in miles as I only fly once a year mainly to the caribbean on American Airlines for my yearly vacation.
Stay in hotels (95% Hilton) about 8 or 9 times a year.
Grocery spend about $600 a month
Gas spend about $280 per month
Restaurant spend about $800 a month
Amazon spend about $1000 a month
Income $200,000 a year
FICO Average 795
Discover IT (0 AF) – 5% categories
Amazon (0 AF) – 5% Amazon
Hilton Aspire ($550 AF) – 5.6% Hilton Stays and free night
Wells Fargo AJ ($95 AF) – 5% other hotels, 4% airlines
Costco (0 AF) – 5% Costco gas, 2% costco purchases
USB Altitude Connect (0 AF) – 3% non-costco gas, Priority Pass
NCFU Flagship Rewards ($49 AF) – Amazon Prime membership
Capital One Savor (0 AF) – 3% dining, 3% groceries
TMobile (0 AF) – $10 discount per line
BofA Sandals ($99 AF) – Sandals stays
Wells Fargo AC (0 AF) – 2% everything else
Anything I'm missing?
Request review of my credit card portfolio
byu/gregma60 inCreditCards
Posted by gregma60
2 Comments
Your restaurant and grocery coverage looks solid with the Savor at 3% each, but you might want to look into the Blue Cash Preferred for groceries since you’re spending $600/month – that 6% (after the AF) would beat your current 3%.
Also with $1000/month Amazon spend, you’re already maximizing that with the 5% card. The portfolio looks pretty dialed in for your spending patterns, though you’ve got a lot of cards to manage.
that’s a solid lineup, your setup covers everything well without being too extra. tbh, just keep chillin’ because your rewards are already peaked